Bank of Hawaii
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Data as of · sourced from FFIEC call reports. How we update
Bank of Hawaii is an FDIC-insured commercial bank headquartered in Honolulu, HI, established in 1897 (FDIC certificate 18053), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $23.81B, up 0.6% from Q2 2025, the largest of 6 banks headquartered in Hawaii. Its CET1 capital ratio was 13.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 18053
- Headquarters
- Honolulu, HI
- Established
- 1897
- Total assets, Q2 2026
- $23.81B
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 13.92%
- Domestic offices
- 48 FDIC institution directory, current count
- Routing number
- 121301028
- Latest call report
- Q2 2026, FFIEC 031 · Bank of Hawaii call report
- Holding company
- BANK OF HAWAII CORPORATION
- Asset rank in state
- 1st of 6 in Hawaii
Bank of Hawaii operates with a thinner capital cushion than most banks of its size. It reported $23.8 billion in assets at June 30, 2026. It funds 8.38% of its assets with Tier 1 capital, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 10.25%). On the other hand, it carries problem assets equal to 1.3% of the capital and reserves that would absorb them, about a third the median of 4.2% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $778 million equal 39% of Tier 1 capital, down from 47% a year earlier. Earnings jumped: net income for the quarter was $65 million, 35% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 2.74 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, Bank of Hawaii reported a CET1 capital ratio of 13.92%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.34%. The figures come from its call report filed with the FFIEC.
Of the 6 banks headquartered in Hawaii, Bank of Hawaii is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $23.81B, loans rose 0.7% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.5% of total loans, followed by non-owner-occupied commercial real estate loans at 16.5%. The FDIC Summary of Deposits lists 52 offices for it, in 36 cities across 4 states; its Honolulu 13 offices book 56% of its branch deposits. On its Q2 2026 call report, Bank of Hawaii meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 S King St, Honolulu, HI 96813
- County
- Honolulu
- Metro Area
- Urban Honolulu, HI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1897
- Domestic offices
- 48 FDIC institution directory, current count
- Employees (FTE)
- 1,910
- Domestic deposits
- $20.97B
- Allowance for credit losses
- $147.0M
- Net charge-offs (YTD)
- $4.5M
- Average total assets
- $23.99B
- Average total loans
- $14.07B
- Average interest-bearing deposits
- $15.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 10, 1959
- FDIC Cert
- 18053
- Fed RSSD
- 795968
- SEC CIK
- 46195 → filed by BANK OF HAWAII CORPORATION
- Website
- www.boh.com →
- Parent Holding Company
- BANK OF HAWAII CORPORATION (RSSD 1025309) · BOH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Peter S Ho | CEO | Chairman & CEO |
| James C Polk | PRES | President |
| Satenberg Bradley Steven | CFO | Vice Chair & CFO |
| Shairson Schaud Bradley | CRO | Vice Chair and CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Hawaii's total assets ran between $23.27B (Q2 2024) and $24.14B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$23.81B total assets against $23.68B; $22.02B total liabilities against $22.05B.
$14.14B net loans and leases against $13.86B; $20.97B total deposits against $20.89B.
$7.69B securities against $7.55B; $452.8M cash and balances due against $768.7M.
$226.1M total interest income against $218.5M; $72.5M total interest expense against $88.9M.
$153.6M net interest income against $129.7M.
$44.3M total noninterest income against $44.2M; $111.2M total noninterest expense against $110.4M.
$3.6M provision for credit losses against $3.2M.
$64.5M net income against $47.7M.
1.08% return on assets against 0.80%; 2.74% net interest margin against 2.33%.
13.92% CET1 capital ratio against 13.49%; 8.38% tier 1 leverage ratio against 8.05%.
Inside the full Bank of Hawaii terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Hawaii rankings
Its closest position to the top of a national ranking is 90 of 4,196, for total assets; its furthest is 2,533 of 3,640, for Texas Ratio.
Metric pages for Bank of Hawaii: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 1.08% (Q2 2026) and its net interest margin ran from 2.08% (Q3 2024) to 2.74% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.92% | 1.08% | 0.18% | 1.34% | 2.74% |
| Q1 2026 | 13.89% | 0.97% | 0.18% | 1.36% | 2.68% |
| Q4 2025 | 13.89% | 1.01% | 0.19% | 1.41% | 2.58% |
| Q3 2025 | 13.75% | 0.90% | 0.20% | 1.55% | 2.42% |
| Q2 2025 | 13.49% | 0.80% | 0.21% | 1.71% | 2.33% |
| Q1 2025 | 13.16% | 0.75% | 0.17% | 1.46% | 2.26% |
| Q4 2024 | 13.16% | 0.65% | 0.18% | 1.65% | 2.13% |
| Q3 2024 | 13.25% | 0.70% | 0.18% | 1.64% | 2.08% |
Swipe the table sideways to see every column.
Branch Network
View all 52 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Hawaii (main office) | Honolulu , HI | 96813 | $6.58B |
| Waikiki Branch | Honolulu , HI | 96815 | $1.15B |
| Kahului Banking Center Branch | Kahului , HI | 96732 | $1.02B |
| Hilo Branch | Hilo , HI | 96720 | $995.0M |
| Waialae-Kahala Branch | Honolulu , HI | 96816 | $840.3M |
| Ala Moana Branch | Honolulu , HI | 96814 | $818.2M |
| Tamuning Branch | Tamuning , GU | 96913 | $723.3M |
| Pearlridge Branch | Aiea , HI | 96701 | $609.0M |
| Mapunapuna Branch | Honolulu , HI | 96819 | $527.4M |
| Kona Banking Center Branch | Kailua Kona , HI | 96740 | $475.5M |
| Iwilei Branch | Honolulu , HI | 96817 | $445.0M |
| Kailua Branch | Kailua , HI | 96734 | $428.2M |
| Lihue Branch | Lihue , HI | 96766 | $390.7M |
| Mililani Branch | Mililani , HI | 96789 | $372.0M |
| Kaimuki Branch | Honolulu , HI | 96816 | $319.9M |
| Hawaii Kai Branch | Honolulu , HI | 96825 | $309.4M |
| Manoa Branch | Honolulu , HI | 96822 | $300.4M |
| Koror Branch | Koror , PW | 96940 | $293.1M |
| Kihei Branch | Kihei , HI | 96753 | $292.0M |
| Kaneohe Branch | Kaneohe , HI | 96744 | $287.1M |
| Waimea Branch | Waimea , HI | 96743 | $258.2M |
| Ward Branch | Honolulu , HI | 96814 | $245.6M |
| Pearl City Branch | Pearl City , HI | 96782 | $240.9M |
| Waipahu Branch | Waipahu , HI | 96797 | $239.3M |
| Kapolei Branch | Kapolei , HI | 96707 | $238.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2002 | M&A | Acquired First Savings and Loan Association of America, a Federal Savings Association merger for the acquired bank | SEC |
| December 31, 2002 | Structure Change | Acquired First Savings and Loan Association of America, a Federal Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2001 | M&A | Acquired Pacific Century Bank, N.A. merger for the acquired bank | SEC |
| December 29, 2001 | Structure Change | Acquired Pacific Century Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2001 | M&A | Acquired Bank of Hawaii Credit Card, N.A. merger for the acquired bank | SEC |
| September 28, 2001 | Structure Change | Acquired Bank of Hawaii Credit Card, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 1998 | M&A | Acquired Realty and Mortgage Investors of the Pacific, Ltd. merger for the acquired bank | SEC |
| October 30, 1998 | Structure Change | Acquired Realty and Mortgage Investors of the Pacific, Ltd. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1998 | M&A | Acquired First Federal Savings and Loan Association of America merger for the acquired bank | SEC |
| September 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1998 | Structure Change | Acquired First Federal Savings and Loan Association of America Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1997 | M&A | Acquired Hawaiian Trust Company, Limited merger for the acquired bank | SEC |
| October 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1997 | Structure Change | Acquired Hawaiian Trust Company, Limited Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 2 against individuals associated with it
- February 24, 2025, Federal Reserve: Civil Money Penalty: Bank of Hawaii, Honolulu, Hawaii
- Period: Most recent institution action February 24, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 34.3% of deposits in HI, rank 1 of 13 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,680 applications, 1,974 loans originated, $1.17B originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 59 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Hawaii
What are Bank of Hawaii's total assets?
As of the Q2 2026 filing, Bank of Hawaii reported total assets of $23.81 billion in its FFIEC call report.
Where is Bank of Hawaii headquartered?
It is headquartered in Honolulu, HI, United States.
When was Bank of Hawaii founded?
It was established in 1897, per the FDIC institution directory.
Is Bank of Hawaii FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18053). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Hawaii?
Bank of Hawaii's primary federal regulator is the Federal Reserve.
What is Bank of Hawaii's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Hawaii operate?
It operates 48 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Hawaii's Texas Ratio?
Its Texas Ratio is 1.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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